Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $412M | $414M | $402M | $449M | $495M | $503M | $513M | $529M |
| Revenue growth | — | — | — | 0.5% | -2.9% | 11.7% | 10.2% | 1.6% | 2.0% | 3.1% |
| Net income | $469M | $592M | $884M | $816M | $539M | $1.13B | $907M | $680M | $784M | $899M |
| Net margin | — | — | 214.6% | 197.1% | 134.1% | 251.4% | 183.2% | 135.2% | 152.8% | 169.9% |
| EPS (diluted) | $1.99 | $2.60 | $4.08 | $4.16 | $3.02 | $6.79 | $5.79 | $4.35 | $4.95 | $6.01 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $596M | $928M | $1.18B | $697M | $719M | $629M | $1.47B | $885M | $1.15B | $1.07B |
| Capital expenditures | $196M | $169M | $129M | $117M | $171M | $206M | $190M | $113M | $97.0M | $121M |
| Free cash flow | $400M | $759M | $1.05B | $580M | $548M | $423M | $1.28B | $772M | $1.05B | $952M |
| Share buybacks | $97.0M | $321M | $672M | $1.10B | $76.0M | $800M | $202M | $51.0M | $36.0M | $41.0M |
| Dividends paid | $108M | $129M | $236M | $260M | $259M | $261M | $269M | $282M | $289M | $267M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | $548M | $614M | $705M | $543M | $595M | $657M | $716M | $651M | $683M |
| Total assets | $63.2B | $66.3B | $68.7B | $69.2B | $81.5B | $93.2B | $89.5B | $87.2B | $88.8B | $89.0B |
| Total liabilities | $55.6B | $58.6B | $61.2B | $61.8B | $73.6B | $85.7B | $84.7B | $81.5B | $82.7B | $81.8B |
| Long-term debt | $535M | $383M | $724M | $1.72B | $1.34B | $1.01B | $651M | $542M | $946M | — |
| Shareholders' equity | $7.63B | $7.68B | $7.58B | $7.35B | $7.89B | $7.46B | $4.89B | $5.69B | $6.12B | $7.18B |
| Retained earnings | $2.32B | $2.81B | $3.46B | $4.01B | $4.31B | $5.17B | $5.81B | $6.21B | $6.70B | $7.33B |
| Shares (wtd avg diluted) | 204M | 210M | 207M | 187M | 166M | 160M | 150M | 148M | 147M | 147M |
Every figure is extracted from ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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